中国农村普惠金融区域差异的实证研究

Empirical studies of regional differences in China's rural inclusive finance

利用1992-2013年中国农村普惠金融的相关数据进行实证研究。对体现农村普惠金融区域差异的相关指标进行定量分析。利用空间计量分析方法对中国农村地区金融相关比率的空间格局演变进行研究,并对其空间集聚现象和时空演变趋势进行深入探究。相关研究结论显示:中国农村地区金融规模、金融效率的区域差异显著,存在较为显著的空间集聚现象;空间内部省际联系仍然不足,空间异质性十分突出。从经济发展水平、国家战略因素和金融制度因素等方面对造成上述结论的原因进行了考察并提出相应政策建议。

The empirical research is done by using inclusive financial data in Chinese countryside from 1992 to 2013. The quantitative analysis of indicators for the regional differences in rural inclusive finance is carried out. The method of spatial econometric analysis is used to study the spatial pattern of evolution of the Chinese rural financial ratios and the phenomenon of spatial ayomeration and space - time evolution trend are explored. The results show that ： 1 ） the regional differences are obvious in the Chinese rural finance scale and the financial efficiency; 2 ）there is significant spatial agglomeration phenomenon; 3 ）the inter -provincial contact within the space is not insufficient; 4） the space heterogeneity is very outstanding. Because of this, this article put forward the corresponding policy recommen- dations accordingly from the perspectives of economic development, national strategy and financial system.